| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +7.6% | +0.9% | +6.6 pts |
| Loan growth (YoY) | -8.6% | -2.6% | -6.0 pts |
| ROA | 0.35% | 0.65% | -0.3 pts |
| ROE | 4.2% | 4.4% | -0.2 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.3M | $9.4M | $7.3M | $865K | $18K | 0.35% | 4.93% | 0.00% | 1,193 |
| Q1 2026 | $10.9M | $10.0M | $7.4M | $855K | $9K | 0.31% | 4.56% | 0.00% | 1,202 |
| Q4 2025 | $10.1M | $9.2M | $7.6M | $846K | $44K | 0.44% | 4.79% | 0.01% | 1,213 |
| Q3 2025 | $9.6M | $8.7M | $7.8M | $836K | $34K | 0.47% | 4.99% | 0.17% | 1,219 |
| Q2 2025 | $9.6M | $8.7M | $7.9M | $823K | $21K | 0.43% | 4.94% | 0.00% | 1,237 |
| Q1 2025 | $9.8M | $8.9M | $7.7M | $813K | $11K | 0.45% | 4.81% | 0.00% | 1,232 |
| Q4 2024 | $8.9M | $8.1M | $7.8M | $802K | $66K | 0.73% | 5.13% | 0.56% | 1,240 |
| Q3 2024 | $8.9M | $8.1M | $7.2M | $788K | $52K | 0.77% | 5.10% | 0.22% | 1,258 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.65% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.1M | $8.2M | $7.3M | $767K | $30K | 0.67% | 4.97% | 0.00% | 1,264 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.7M · securities $761K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.6% | 80.6% | 76th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Greenwood, SC, ranked 13th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greenwood, SC | 1 | $4.7M* | 0.28% | 13th |
| Cole, MO | 1 | $4.7M* | 0.07% | 22nd |
Missouri: 347th with 0.00% · South Carolina: 134th with 0.00% · Jefferson City metro: 31st, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2